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Studies and articles worth reading in full, not just cited in a post.
Western & Southern Financial Group on how your time horizon actually changes what "smart" looks like for your money - useful context before deciding where extra cash should go.
Read it →Cappelli, Banks & Gardner's 2024 scoping review in PLOS ONE on what actually shapes how college students manage money - and why it's rarely just about knowing the "right" answer.
Read it →Arthur C. Brooks, in The Atlantic via the American Enterprise Institute, on the real cost of debt beyond the interest rate - and why avoiding it changes more than your monthly payment.
Read it →First Internet Bank on what getting to debt-free actually looks like day to day - less about willpower, more about a plan you can stick to.
Read it →Consumers Credit Union breaks down how rising income quietly turns into rising spending, and the habits that keep it in check.
Read it →RBFCU's "It's a Money Thing" series on spotting lifestyle creep before it eats into your savings and long-term goals.
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